B+
Bull case
30%
Probability
Target price
$24.00
Analysis reference price unavailable
Analysis 2026-01-29 · RankAlpha Sentiment AI
CARE
Carter BanksharesDNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
NIM expansion and stable deposits drive EPS upside and multiple re-rating toward the analyst high (~$24.00) over 12 months; limited M&A interest or multiple expansion would accelerate that upside.
Posture
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +2.2.
What can break
Higher loan-loss provisions from local CRE or commercial borrowers
Momentum
44
Value
45
Sentiment
42
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $22.82 · Bull $24.00 · Bear $18.00Analysis 2026-01-29; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-29 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $63.81
Why
Momentum44 · Δ7d +3.2
Value45 · Δ7d -0.1
Sentiment42 · Δ7d +2.2
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +2.2.
Contradictions & invalidation
- • Higher loan-loss provisions from local CRE or commercial borrowers
- • Net interest margin compression from adverse rate or repricing moves
- • Sustained NIM compression, accelerating deposit outflows, or rising loan-loss provisions reduce earnings visibility and compress multiples toward the high‑teens (~$18) in a stressed scenario.
Catalyst clock
2026-04-29
Quarterly (FY2025 Q4) earnings release
Lead driver: Sentiment · See AI snapshot
Momentum
44
9% active weight
Current posture
7d trendImproving
Δ7d
+3.2
Δ21d
-37.3
Value
45
28% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
+0.0
Sentiment
42
62% active weight
Current posture
7d trendImproving
Δ7d
+2.2
Δ21d
+2.7
Why this grade
Composite grade D. Momentum 43.6 / Value 44.9 / Sentiment 41.5
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-29. Scenario method
Most likely
B
Base case
55%
Probability
Target price
$22.82
Analysis reference price unavailable
Analysis 2026-01-29 · RankAlpha Sentiment AI
B-
Bear case
15%
Probability
Target price
$18.00
Analysis reference price unavailable
Analysis 2026-01-29 · RankAlpha Sentiment AI
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$709.91M
Beta
0.57
Shares Out
22.16M
P/E (TTM)
14.5
P/S (TTM)
2.94
P/FCF (TTM)
13.99
Rev YoY
+44.0%
EPS YoY
+253.9%
Gross Margin
-
Op Margin
+47.4%
Net Debt
$152.49M
Current Ratio
0.08
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data